Brooklyn building insurance rates are increasing more than 20 percent annually, with more increases expected through 2027. For owners watching their premiums climb each year, Brownstone Agency offers a unique solution.

Here’s what you need to know:

  • Winter hits older buildings especially hard — frozen pipes, storm damage, weather-beaten steps. As repair costs increase and severe weather becomes more frequent, many owners are looking for ways to reduce expenses.
  • Freeze your rates before your pipes freeze. Only Brownstone Agency lets you lock in today’s prices for three years. While winter temperatures drop, your insurance costs won’t. Locking in your rate gives you budget certainty during uncertain times.
  • Winter-ready buildings qualify for extra savings. Brownstone Agency rewards owners who prepare their buildings for cold weather. Well-maintained sidewalks that prevent accidents, efficient heating systems, protected water pipes, and secure entry systems all contribute to lower rates. Their team will evaluate your building’s winter preparation and identify ways to reduce costs.

brownstones in the winter
Photo by Susan De Vries

When you combine rate protection with winter readiness, the savings add up. Plus, fixing small problems before the cold arrives prevents bigger troubles later.

Don’t wait for rates to climb again. Contact Brownstone Agency today to secure your three-year rate and protect your building through 2028.


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